Filing Flows › FNB (FNB) › How it makes money
How FNB (FNB) makes money
FNB (FNB) made $469M of revenue in the third quarter 2026 (Q3 2026), +3% from a year earlier. Net interest income brought in $376M (80%); Noninterest income brought in $93.0M (20%). Of every dollar of revenue, 41¢ was left as operating profit, 33¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $376M | 80.2% | +3% | +5% |
| Noninterest income | $93.0M | 19.8% | -4% | -5% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $469M | 100.0% |
| Operating profit | $193M | 41.2% |
| Income tax | $40.0M | 8.5% |
| Net earnings | $153M | 32.6% |
| Operating cash flow | $291M | 62.0% |
| Free cash flow | $250M | 53.3% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $469M | +3% |
From FNB's 10-Q filed Nov 3, 2026 (on EDGAR).
Questions
How does FNB make money?
FNB (FNB) made $469M of revenue in the third quarter 2026 (Q3 2026), +3% from a year earlier. Net interest income brought in $376M (80%); Noninterest income brought in $93.0M (20%). Of every dollar of revenue, 41¢ was left as operating profit, 33¢ was left as net earnings.
What is FNB's biggest business?
Net interest income: $376M in the third quarter 2026, 80% of revenue, +5% from a year earlier.
What is FNB's profit margin?
Net earnings were $153M, 32.6% of revenue, in the third quarter 2026; the operating margin was 41.2%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.